Paying for IVF treatment can be challenging for many couples and individuals. The cost of IVF is higher than people realize, which can leave someone scrambling for a way to pay for it. Still, the desire to conceive a child provides the motivation to find a way to bear the IVF cost.
With a little digging and a lot of patience, you can find a way to cover the cost of your IVF treatment. Start by learning more about what’s included in the cost, so you’re more aware of your options. Then, read on in the article to learn about 5 ways to cover your IVF cost.
- 1 IVF Cost & Treatments
- 1.1 Consult and Diagnosis
- 1.2 Testing Costs
- 1.3 Medications
- 1.4 Treatment Procedures
- 1.5 Samples of IVF clinics Costs
- 1.5.1 IVF Cost of Zouves Fertility Center (Foster City, CA)
- 1.5.2 IVF Cost of Pacific Fertility Center (San Francisco, CA)
- 1.5.3 IVF Cost of Colorado Center for Reproductive Medicine (Lone Tree, CO)
- 1.5.4 IVF Cost of CNY Fertility Center (Syracuse, NY)
- 1.5.5 IVF Cost of Wisconsin Fertility Institute (Middleton, WI)
- 1.5.6 IVF Cost of Washington Fertility Center (Annandale, VA)
- 1.5.7 IVF Cost of IVFMD (Irving, TX)
- 2 Payment Plans and Financing IVF Costs
- 2.1 Insurance
- 2.2 Fertility Loans and Personal Loans
- 2.3 Health Savings Plans
- 2.4 Retirement Funds
- 2.5 Crowdfunding
- 2.6 Traveling to Distant, Lower-Cost Fertility Clinics
- 2.7 Samples of IVF clinics financial options
- 2.7.1 San Diego Fertility Center (San Diego, CA) financial options
- 2.7.2 Santa Monica Fertility (Santa Monica, CA) financial options
- 2.7.3 Midwest Fertility Center (Downers Grove, IL) financial options
- 2.7.4 IVF1 (Naperville, IL) financial options
- 2.7.5 Institute for Reproductive Health (Cincinnati, OH) financial options
- 2.7.6 Ohio Reproductive Medicine (Columbus, OH) financial options
- 2.7.7 Dallas IVF (Frisco, TX) financial options
- 2.7.8 Utah Fertility Center (Pleasant Grove, UT) financial options
- 2.7.9 Fertility Center of San Antonio (San Antonio, TX) financial options
- 3 Conclusion
IVF Cost & Treatments
The national average cost of IVF treatment in the US, for a single round, including medication, is between $12,000 and $15,000. But how does that breakdown and what goes into that cost?
Consult and Diagnosis
Based on research and comparisons, the cost of a consultation and testing for infertility could cost you between $1,500 and $3,500, or more. If you need more tests than average, you’ll pay more than this. Also, if the test results come back incorrectly or you have to have more than one consult or need a second opinion, your costs could increase significantly.
IVF Consultation Costs. These costs will make more sense if you understand what is involved. During an infertility consultation, you’ll likely spend at least an hour and a half a the fertility clinic of your choice. You’ll likely interact with a physician, a nurse or egg donor, a counselor, and a billing or financing coordinator. Your physician will talk to you about your health, your history, and your desires for a family, before determining which tests you will have to take.
Depending on the physician’s orders, you might connect with a nurse who will discuss the process for collecting eggs and sperm. You may also meet with a billing or finance specialist at the clinic to talk about your payment options – before you make your final decision. This is a very good time to ask questions and get solid answers from the fertility clinic about their IVF costs, success rates, history, and other important things.
During your visit, it’s very likely that your physician will cover more than one treatment option. While IVF is common, others, like IUI, are also common. If you have your heart set on IVF, your physician may want to make sure you’re fully aware of the other treatments available and their success rates.
Testing Costs. Some testing is done before IVF treatment begins, and much testing is done as part of the treatment. Before your physician determines if IVF is absolutely right for you, he or she will order some tests. These tests actually shed light on whether or not IVF has any chance of success, as well as what types of IVF are best for you. You’ll also discover your odds of success. That’s why the tests are necessary.
Not all clinics require the same tests. This is good news and bad news. The clinic you select may actually require more in IVF costs than other clinics due to certain tests or treatments. Ask if the tests are 100% necessary, and what the physician plans to do with the results.
Typical tests and associated costs:
- Semen analysis
- Hormone testing
- Uterine and fallopian tube X-rays
- Vaginal ultrasound
- Laparoscopy (No longer common)
The costs of these tests vary. Semen analysis can range from $50 to $200, while vaginal ultrasounds or laparoscopy can cost several thousands of dollars (upwards of $5,000).
Medications for IVF treatment can cost upwards of $5,000 – a range from at least $3,000 to $5,000. Medication is an important part of IVF. Your physician will prescribe medications that will prepare your ovaries to produce multiple viable eggs. Unfortunately, these medications come with a hefty price tag.
You should know that certain medications cost much more or less than others. In other words, you may actually have some options here, which is why you should have open, honest conversations with your fertility doctor.
Medications are used for a couple of reasons. First, you’ll need a medication to regulate – or restart – your cycle so that your fertility doctor can properly time everything. If you’ve ever had an irregular period before, you know how frustrating that can be when you’re trying to become pregnant.
Because of that, your doctor has to “reboot” your cycle using a drug. The most common one is called Lupron and it is an injectable. Lupron costs, on average, $500 per dose.
To prepare the ovaries and help them produce multiple, healthy eggs, you’ll most likely be given a prescription for a medication called . Most commonly, it is Clomid. Fertility specialists consider Clomid inexpensive, compared to the other IVF treatment costs. Clomid costs range from $10 to $100 per cycle, according to AdvancedFertility.com, with the average cost for a cycle being around $40.
If Clomid doesn’t work (and your follicles do not mature and your ovaries subsequently do not produce multiple eggs), you’ll be given a different medication to try.
Your primary IVF costs are procedure costs. Depending on how many rounds of IVF you need, the costs will vary.
Single Round IVF Procedure Cost. According to Attain Fertility, the national average cost of a single round of in vitro fertilization using fresh (not frozen) eggs and embryos costs about $10,000. Costs vary based on a number of things, including the type of IVF used and the diagnosis (because the underlying fertility issue impacts available treatment options).
A “round” of IVF includes the four primary steps: ovulation, retrieving the eggs, fertilizing the eggs, and transferring the embryo(s) into the uterus.
Each time you go through that process, you’re completing a round. Many times, it takes more than one round of IVF to get pregnant, which ultimately impacts the overall IVF procedure cost.
Multiple Round IVF Procedure Cost. Often, a fertility clinic will provide a discount for multiple rounds of IVF. For example, one particular clinic offers a discount plan that results in around 40% savings than just paying for one round at a time. For most people, a multi-round plan is the best option for becoming pregnant.
Frozen embryos. Embryos that have been frozen for transfer at a later time typically cost less. The reason is simple: there is no expense or process involved in ovulating and retrieving the eggs.This is almost always only an option for women who have already gone through the initial phases of IVF, and produced multiple healthy eggs that were subsequently fertilized. These embryos are frozen in the event that IVF fails, and subsequent rounds are needed.
Treatment procedures using frozen embryos can be less than half the cost of a single round using fresh embryos.
The Internet makes it fairly easy to get a roundabout IVF cost estimate. You can use an IVF Cost Calculator to help you better understand the cost of treatment, and play with a variety of options.
Click here: Cost of IVF Online Calculator
Samples of IVF clinics Costs
IVF Cost of Zouves Fertility Center (Foster City, CA)
Egg Freezing Plans
|IVF with Delayed Transfer||$14,840|
|Donor Egg IVF or Surrogate IVF||$14,840|
|Donor Egg IVF and Surrogacy IVF||$12,285|
|Donor Egg IVF (Frozen eggs)||$9,630|
IVF Option Plan
|Women under the age of 38||$16,080|
IVF Financial Assistance Plan
Read more: Zouves Fertility Center (Foster City, CA)
IVF Cost of Pacific Fertility Center (San Francisco, CA)
|Patients own eggs||$11,595|
|PFC agency donor eggs||$13,185|
|Outside agency egg donor||$13,710|
|PFC agency egg donor & gestational carrier||$14, 340|
|Outside agency egg donor & gestational carrier||$14,865|
Services covered in this plan include monitoring ultra sound and blood tests. Plus, anesthesia, 1 egg retrieval procedure and 1 embryo transfer procedure are also included.
IVF Refund Plan
This plan is for women for whom IVF is medically indicated. It is applicable to ovum donation but not gestational carriers. Pricing is as follows:
REFUND: *80%, **70%
|<30 years of age||$13,750||$11,000*own eggs|
|30-33 years of age||$15,350||$12,280*own eggs|
|34-36 years of age||$17,975||$14,380*own eggs|
|37-38 years of age||$18,250||$12,775**own eggs|
|donor <34 years of age||$15,225||$12,180*donor eggs|
IVF Cost of Colorado Center for Reproductive Medicine (Lone Tree, CO)
Here is a look at an in vitro cycle costs at CCRM. These cost are only applicable to Colorado location:
|work-up leading to the cycle- insurance coverage possible||$5,000|
|Medications required throughout the cycle||$5,800 -$10,800|
|IVF cycle including blood work and ultra sound. Ovarian stimulation, egg retrieval, embryo transfer and cost of surgical rooms||$14,922|
Cost breakdown for donor egg cycle is:
|first time donors||$34,996|
|known donor or agency donor||$26,775|
|medications prescribed throughout donor cycle||$4,500 to $8,500|
|work-up for recipient||$5,000|
Other services at CCRM include:
|comprehensive chromosomal screening of six embryos||$ 6,225|
|appointment for new patient in office||$311|
|appointment for new patient via phone||$326|
|appointment for out of country new patient via phone||$377|
|extended re group||$234|
IVF Cost of CNY Fertility Center (Syracuse, NY)
Affordable IVF Cycles Pricing
|Letrozole Cycle or Natural Cycle Monitoring||$700|
|(FSH) Injectable Cycle Monitoring||$825|
Fresh Egg Donor IVF Cycle Pricing
|6 fresh eggs- mature||$12,000 – Fresh Embryo Transfer|
|6 fresh eggs- mature||$9,000 – Freeze ALL Embryos|
|Extra eggs(mature) may be purchased||$2,000 for each mature egg|
Banked Eggs Donor IVF Cycle Pricing
|6 frozen eggs||$9,000|
|Extra frozen eggs may be purchased||$1,500 for each egg|
Embryo Donation Cycle Pricing
- Embryo Donation Fee is $3,000
Price includes 3 to 6 frozen embryos. Also included are oocyte and sperm donor testing.
Fertility Preservation Pricing
|Oocyte, Sperm and Embryo storage||$350 annually|
|Sperm freezing||$165 for every visit|
|6 banked eggs||$9,000|
Read more: CNY Fertility Center (Syracuse, NY)
IVF Cost of Wisconsin Fertility Institute (Middleton, WI)
|New patient consultation||$250|
|Sperm DNA fragmentation||$200|
IUI and IVF prices
|IUI with fresh sperm||$350|
|IUI with frozen sperm||$275|
|IUI with oral medication||$600|
|IUI with injectable medication||$2,100|
|IVF with ICSI||$10, 120|
|Frozen embryo transfer||$3,670|
IVF Advantage Program
- IVF prime advantage program includes one egg retrieval and up to 2 transfers. The program costs $14,900.
- IVF ultimate advantage program includes 3 egg retrievals and all subsequent frozen embryo transfers. There is a 50% refund if patients do not conceive successfully during the program. This program costs $28,900.
IVF Cost of Washington Fertility Center (Annandale, VA)
|Intra Cytoplasmic Sperm Injection||$1,990|
|Embryo Assisted Hatching||$1,490|
|Frozen Embryo Thawing and Transfer plus Embryo Assisted Hatching||$4,985|
|Natural IVF Cycle||$4,985|
|Shared Donor Egg Cycle||$14,900|
These services do not include any charges for lab services or diagnostic testing. Medication costs or anesthesia fee are also not covered.
IVF Baby Guarantee $19,900
Egg Donation Baby Guarantee $29,900
Read more: Washington Fertility Center (Annandale, VA)
IVF Cost of IVFMD (Irving, TX)
|IVF cycle without the cost of medications or anesthesia||$8,500|
|Egg banking cycle||$ 6,000|
|Frozen embryo cycle||$ 2,000|
|Frozen embryos yearly storage fee||$500|
|Frozen eggs yearly storage fee||$ 500|
IUI Costs at IVFMD
|Initial consultation||$ 180|
|Semen analysis||$ 80|
|Semen prep and IUI||$ 260|
|IUI with gender selection||$ 390|
IUI Cycle Costs
|Baseline sonogram||$ 150|
|Mid cycle sonogram||$ 150|
|IUI – sperm prep and insemination||$ 260|
|Cost of medication||$ 200|
Donor Egg Services Costs
- Known donors– approximate total can come up to $12,800
- IVFMD donors– approximate total can be around $20,200
- Agency donors– approximate total can be around $24, 400
Read more: IVFMD (Irving, TX)
Payment Plans and Financing IVF Costs
Once you’ve decided on IVF and committed to being treated, the next big step is to figure out how to pay for it. You do have options. The simplest option is to pay out of pocket, but it is not always the easiest.
If you have the ability to pay cash for treatment, you have more options and can choose your clinic freely. In light of the reality that many people cannot afford to pay all of the costs out of pocket, here are the options available.
Insurance coverage for IVF treatment, medication, and diagnosis/testing is available in some states and with some employers. Though it is not widely available, some large insurance carriers offer a few different coverage options for infertility treatments, and they are usually not limited to IVF.
Sometimes, the coverage is limited to a single round of IVF, or there may be a lifetime limit on the coverage amount. Still, if some or all of your IVF cost is covered by medical insurance, consider yourself lucky! It is not common but those plans that do cover IVF treatment are great.
Review your employer’s medical coverage plan to see if it covers any or all of your IVF treatment.
Fertility Loans and Personal Loans
If you have good credit, you can probably qualify for a fertility loan. These special loans cover specific types of treatment, and may or may not come with fees. The upside of using fertility loans is that the companies are usually associated directly with a clinic (called a participating center or something similar).
Because these businesses specialize in working with people wanting to build a family, they are often family-centric and comfortable with the anxieties and nuances surrounding IVF. The loan process is usually quite straightforward.
If you can qualify, you can use a fertility loan to finance the cost of your IVF and in doing so, relieve a lot of the headache that comes with trying find money. You’ll have a single payment due each month and you’ll know in advance what it is.
Here are some examples of companies offering fertility loans:
- CapexMD (http://www.capexmd.com/home.htm)
- Lightstream (https://www.lightstream.com/ivf-financing)
- United Medical Credit (https://www.unitedmedicalcredit.com/how-can-i-get-ivf-financing/)
Additionally, your clinic likely has a list of different financing companies that work with them to loan you the money to pay the IVF cost.
Make sure to fully vet the companies and ensure they are good options for you and your financial situation.
You can also choose to go a different route and get a personal loan from your bank, or a credit line on your home. Often, if your credit history is good and you have home equity, you can qualify for a credit line using your house as collateral for payment. If you don’t own a home, you may be able to get a credit card with a large credit line. Or, some banks will give you a personal loan that you can use for anything you want, so long as you make the payments.
Health Savings Plans
If you have a health savings plan through your employer, you can use it to help pay for some of the treatment cost. One big benefit of using an HSA is that you can plan for it – with an HSA and several months of planning and saving, you may be able to adequately pay for some IVF costs.
The downside, of course, is that if your fertility specialist advises you to begin IVF treatment immediately, an HSA might not be an option for you. With an HSA, you and your employer contribute money that can be used tax free for medical expenses. Typically, you pay directly into the plan from your paycheck. HSA administrators will usually issue a payment card that can be used just like a credit card in a doctor’s office or pharmacy.
This option is ideal for couples who have had some time to prepare and put away money into an HSA for this purpose.
Your HSA contributions are limited by the IRS, however, so keep that in mind when planning. Currently, the family contribution limit for HSAs is $6,750. That is not enough to cover most of the IVF cost, but it is money that you won’t have to take out in a loan.
By definition, retirement funds pay for retirement costs, not fertility treatment. But in a pinch, you may be able to take out a qualified distribution in order to fund the growth of your family.
You may not quality for a “hardship withdrawal,” but if your employer’s plan allows, you may be able to borrow from your 401K for pay for IVF treatment. Just like any other loan, there are stipulations, rules, and you have to pay it back. Still, it’s not uncommon for people to borrow from 401Ks and other retirement funds for this purpose.
One woman on a message board explained how she used 401K funds to partially cover the IVF cost:
“I borrowed from my 401k, $8500 the interest is only 3.5% and it comes out of my paycheck bi-weekly and took out a loan for $5k.”
Like other options, there are pros and cons to using your 401K funds. If you withdraw the funds rather than borrowing them, you’ll retire with less money. If you borrow them, you may still retire with less money AND you have to pay the money back – regardless of whether or not you remain employed. Unfortunately, if IVF fails, you still owe the money back to your retirement fund.
Carefully consider the implications of borrowing or withdrawing retirement funds to pay for IVF.
Not so long ago, crowdfunding, which is essentially pooling together resources from people you know and people they know, and sometimes people you DON’T know – wasn’t easy to do. Today, it’s as easy as starting a campaign on YouCaring.com or a similar site.
Friends and family can donate to your fertility treatments easily with a crowdfunding site. It involves sharing your story and asking for financial help. Couples seeking help with adoption funds commonly use sites like these, and they are becoming more popular for IVF and infertility treatments every year.
GoFundMe.com and YouCaring.com are very popular options. Both sites will allow you to raise funds with minimal fees paid back to the companies.
One Orange County, Ca couple named Chad and Hillary Blake have raised over $40,000 using crowdfunding to pay for their IVF journey.
People who get help sharing their crowdfunding request all over social media tend to raise more money. If you go this route, you’ll get the opportunity to post pictures of your journey and tell people your story, which may encourage them to provide more support.
Not everyone will enjoy crowdfunding for IVF. You’ll have to be slightly open about your journey and willing to reveal the fact that you’re trying to conceive through IVF. If that is too much or requires too much personal sharing, it might not be the best option for you. There is always a chance that IVF may fail, and many couples are not comfortable with a a public infertility struggle.
Still, for couples and individuals that are surrounded by encouraging family and friends, crowdfunding may be a good way to not only raise the funds to cover any IVF cost, but also the costs associated with a newborn and the pregnancy journey.
Traveling to Distant, Lower-Cost Fertility Clinics
If any of the above options aren’t feasible for you, consider shopping around for lower-cost clinics. Keep in mind that individual clinics and doctors set the IVF cost. The costs are not standard. That means that some doctors and clinics will choose to lower the cost of treatment for one reason or another.
If you live in an area that has a high demand for IVF services, it’s logical that the fertility clinics there will be in higher demand and may charge more. Or, if the clinics near you have very high or unusually high success rates, the IVF costs at that clinic may be higher than normal.
But if you can manage to try a clinic further away, or one with a lower success rate, you could save money. Most people do not want to sacrifice success rates but are willing to take time off work to go to a clinic in another state.
Some people have even begun traveling out of the US for cheaper fertility treatment. If you do your research and choose high quality, safe treatment centers, you may save on costs, even with the cost of travel.
Before you set out to travel, even locally, here are some tips:
- Know the success rates. Be sure to clarify the success rates of live births and not just pregnancy rates.
- Factor in travel costs. If a clinic’s treatment costs are $1,500 less than one nearby, but it costs you $1,000 to get there and back, then you’re only saving $500.
- Ask why the costs are lower. This is a very fair question. Cheaper treatment could also mean lower quality treatment. Prioritize your health and safety and make sure it is clear why the treatment costs so much less than other clinics.
Samples of IVF clinics financial options
San Diego Fertility Center (San Diego, CA) financial options
- Flexible Financing Plans
- Prosper Health Lending
- Fertility LifeLines
- Insurance Coverage
- Discount IVF Cycle Packages
- Third Party Global Packages
Read more: San Diego Fertility Center (San Diego, CA)
Santa Monica Fertility (Santa Monica, CA) financial options
- Lending Club Patient Solution
- United Medical Credit
- Prosper Healthcare Lending
Midwest Fertility Center (Downers Grove, IL) financial options
- IVF Fee Reimbursement Program
- Pre-Paid Packages
- The Lending Club
- Credit Cards
- Special Programs
- Basic IVF Cash Package
- Slide to Success Program
IVF1 (Naperville, IL) financial options
- Infertility Insurance
- Prosper Healthcare Lending
- Charitable Programs: SoldierCryo and SoldierCare
- The Chai Initiative
Read more: IVF1 (Naperville, IL)
Institute for Reproductive Health (Cincinnati, OH) financial options
- IRH 70% Money Back Program
- IVF Loan Companies:Arc Fertility CapexMD Compassionate Care First StepsIVF Greenlight
Ohio Reproductive Medicine (Columbus, OH) financial options
- The Cade Foundation’s Family Building Grant
- Baby Quest Foundation
- Pay It Forward Fertility Foundation
- Parenthood For Me Grants
- The Sam Fund
- Gordon Gift Of Life
Read more: Ohio Reproductive Medicine (Columbus, OH)
Dallas IVF (Frisco, TX) financial options
- Financial Discount Programs
- Prosper Healthcare Lending
- Compassionate Care Programs
- First Steps Program
Read more: Dallas IVF (Frisco, TX)
Utah Fertility Center (Pleasant Grove, UT) financial options
- 2+ Refund
- 3+ Refund
- Multicycle core program
Other financing options includes getting fertility financing from:
- Prosper Healthcare Lending
- Lending Club Patient Solutions
Read more: Utah Fertility Center (Pleasant Grove, UT)
Fertility Center of San Antonio (San Antonio, TX) financial options
- Active duty military discount
- Fireman and policeman discount
- FCSA Package Plan
- FCSA Refund Plan
- Monthly Payments Options
- Out Of Town Monitoring Plan
IVF treatment is costly, but as you can see, there are actually many ways to cover it. On average, for a single round of treatment, the IVF cost could be between $12,000 and $15,000. It could be lower for you, depending on the success rate you’re willing to accept and the type of IVF you need or want to use.
Keeping in mind that, usually, more than one round of IVF is needed for pregnancy, factor in details regarding your circumstances – such as whether you need donor eggs or not, or whether you’ll be using a surrogate or not. These differences can equate to thousands or even tens of thousands of dollars in cost. Most fertility clinics have a billing or finance specialist you can meet with to discuss your needs. For best financial results, keep your options open, be creative, and use all the resources you have.